Kemper (KMPR) stock

Auto and life insurance , market cap $2.1B

Auto insurance and life insurance

Worth $2.1B

$34.39

+3.74%

As of Tuesday's close · Live for Pro members at the open

Quality Score

Below Average

In its industry

#35of 39

Property Insurance

Checks firing

4of 14

Trending down

From 52-week high

-17.6%

under its best in a year

KMPR's Quality Score rose 1 point on Tue, Nov 10, to 1. It closed near its high of the day.

See KMPR's 14 chart checksSee it live, free until Thursday morning. No account. No card. Then keep going with a free account.

We do the work for you. Every stock is scored and ranked, every 15 seconds while the market is open. Here it's 15 minutes behind. Pro members see it live.

Why is KMPR up?

Up 11% on Oct 29, and still 12% over its Oct 28 close.

It rose 11% on Oct 29, the session after its Oct 28 SEC filing (read the release).

Sources: Price history, Oct 29, 2026; SEC filing, Oct 28, 2026

1 more reason, free with an account →2 more reasons why KMPR rose on Oct 29, from its filings, with the other side, the timeline, and its peers, for Pro members.

Why KMPR still lags the market over five years

Down 39% over the five years to Nov 9 while the S&P 500 rose 72%; up 10% on Oct 29.

3 reasons, from its filings, with the timeline and its peers, for Pro members.

Key facts on KMPR

Key facts on KMPR
Since its 2024 high	Down 54% profit $317.8M → a $422.1M loss a year
Latest filing	8-K, Nov 9 Reported its quarterly results

1 more reason behind KMPR's 1, free with an account →1 more reason behind KMPR's 1, for Pro members.

KMPR in the news

ReportLast night: revenue of $1.1B. Past reports ›

TodayInsurer stocks rose together: “Investors punish Nigerian insurance stocks even as profits surge”nairametrics.com and 1 more

What's next

Mon Nov 16: Ex-dividend, $0.32 a shareAt the open. Pays Dec 2.

1 more date ahead: the conference, for Pro members.

KMPR catalysts

Coming up

After its last 4 reports it closed -4.4% on average, higher 2 of 4 times.

12 past catalysts since 2018, with sizes and sources, for Pro members.

Why KMPR scores 1

Below Averagefor quality, not price, 4 of 14 chart checks firingWhat the Quality Score means

+4Chart checks 4 of 14 firing right now, one point each
−1Long-term trend above a flat or falling 200-⁠day average, down over one year, down over two years

Profit subtractsRead on the last four quarters against the four before, or the last full year where no quarters are filed.
Growth subtractsSales and margins against a year earlier: up to +3 for fast growth and widening margins, down to -2 when both shrink.

No effect today: Run-up, Size, Dilution, Volatility, Cash flow, Persistence, News, and Insider trades.

What every line is worth, and the reason behind it, on KMPR and every other stock.Get in free →

Price, score, chart checks, and the industry rank are from a snapshot taken at 11:01 PM ET, at least 15 minutes behind. How we rank stocks.

Tested. Our top-scored stocks returned 2.2x the average stock over the next month. Reconstructed after the fact; recorded live since Sep 9, 2026. How we tested it

Alert me when KMPR's Quality Score turns up

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How KMPR ranks in Property Insurance

KMPR is #35 of 39 by Quality Score.

How KMPR ranks in Property Insurance
Rank	Stock	Checks	Quality Score
1	PLMRPalomar	9/14	22
2	SPNTSiriusPoint	9/14	18
3	SKWDSkyward Specialty Insurance	6/14	18
	HIPOHippo		Open for its score
	HMNHorace Mann Educators		Open for its score
	KNSLKinsale Capital		Open for its score
	LLoews		Open for its score
35	KMPRKemper	4/14	1

Net income over four quarters: KMPR -$422M, THG $750M, SPNT $502M, KNSL $525M.

When does KMPR report earnings, and what happens after?

Expected to report Wed Feb 3, after the close (in 85 days).

What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.

What KMPR reported on Nov 9, 2026

The quarter

Revenue of $1.1B, 12% less than a year ago.

“The decline was primarily due to lower Specialty Personal Automobile volumes, partially offset by higher Specialty Commercial Automobile volumes.”

The quarter that ended Sep 30, from the company's press release

The press release The filing on EDGAR

Where the sales came from

Where the quarter's sales came from
Line	Sep 30, 2026	Sep 30, 2025
Diluted Net Income (Loss) attributable to Kemper Corporation per Unrestricted Sharedown 359%	$880M48%	-$340M–

Each quarter's sales and their share of its total. Figures as filed (SEC filing, Nov 9)

8 more lines, for Pro members.

The outlook

No outlook figures read from this release.

In the company's words

“The $24.6 million increase in Specialty Personal Automobile was primarily driven by favorable prior year development.”

From its results filing (SEC filing · Nov 9)

2 more sentences, for Pro members.

The numbers

Market value: $2.1B; today
Sales: $4.4B; down 8.7% on the year

Sales fell 1.7% a year over 5 years, fiscal 2020 to 2025.

Pays $1.28 a share a year.

2 more figures, for Pro members.

No analyst estimates on Breakaway: every figure here is filed.

The whole report on KMPR: every line of its sales, every outlook beside the one it replaced, and the company's words, for Pro members.

Close after the report, last 3

-10.3%+1.9%+3.7%

May 6Aug 5Nov 9

Reported	When	Gap	Reaction	5 days
Nov 9, 2026After close	After close	-3.9%	+3.7%	not yet
Aug 5, 2026After close	After close	+0.6%	+1.9%	-9.4%
May 6, 2026After close	After close	-15.3%	-10.3%	-9.1%

KMPR closed higher after 2 of its last 4 reports.

All 4 reports, and KMPR's Quality Score going into each

KMPR sales and profit by year

Sales and profit by year

Sales grew in four of the last seven years, to $4.8B in 2025. It made a profit in five of the eight years.

KMPR has 4 of 14 chart checks firing

Trend1 of 5 shown

MA FAN 21 EMA W.EMA HH/HL 52W HI

Volume1 of 3 shown

VOL VDU U/D VOL

Tight range1 of 3 shown

ATR SQZ SQUEEZE NR7

Buying1 of 3 shown

OBV+CLOSE HI SPRING

The other 10 checks on KMPR, and all 14 on every stock.Get in free →

KMPR RSI today: 64.2, above its 50-day and 200-day averages

Not scored

RSI 64.2, MACD above signal, above both averages. Not scored.13 readings

The deep dive on KMPR

What it does and how it makes money2 findingsIt kept 3 cents of each dollar of sales in fiscal 2025: $161M of profit before tax on $4.79B of sales.Annual report, filed Feb 11, 2026
Where it stands5 findingsFor Pro members5 findings on where KMPR stands: its cash, debt, and share count, for Pro members
What changed in its filings1 findingA new heading in its "Risk Factors" this year: "If Kemper is unable to send or accept electronic payments, our business and financial results could be adversely affected." (10-K for fiscal 2025; not in fiscal 2024's)SEC filing · Feb 11, 2026, against the one of Feb 7, 2025
Who holds and trades it3 findingsFor Pro members3 findings on who holds and trades KMPR, for Pro members
Against its closest peers4 peersNet income over four quarters: KMPR -$422M, THG $750M, SPNT $502M, KNSL $525M.

9 more findings on KMPR, each with its source, for Pro members.

Is KMPR's dividend covered? What its financials say

Its dividends come to 24% of its free cash flow.

KMPR's dividend against its free cash flow
Dividend	$1.28 a share a year Paid 4 times a year
Paid out	About $75.3M a year $1.28 a share on 58.9M shares, its average count in the quarter to Jun 30, 2026
Free cash flow	$319M The last four quarters, to Sep 30, 2026

KMPR insider trades

5 insiders bought $368K across 5 filings in the last 6 months. No open-⁠market sales on record. The newest:

BuyStephen J. McAnena$80KPresident and CEOat $26.50 on Aug 13, filed Aug 13

BuyStephen J. McAnenaPresident and CEO$80Kat $26.50 on Aug 13, filed Aug 13

All 5 insider filings on KMPR from the last six months, for Pro members.

All KMPR insider trades

KMPR trades by Congress and the executive branch

4 trades disclosed in the last six months. The newest:

SellDonald Trump$1K to $15KPresident (R)traded Aug 31, disclosed Oct 8(38 days later)

SellDonald TrumpPresident (R)$1K to $15Ktraded Aug 31, disclosed Oct 8(38 days later)

All 4 trades on KMPR disclosed by Congress and the executive branch, for Pro members.Get in free →

See what Congress is buying across the market

KMPR's officers and directors

Officers and directors with a Form 4 in the last 12 months.

Stephen J. McAnenaPresident and CEO · 1 trade
Bradley T. CamdenEVP and CFO · 1 trade
Carl Thomas Evans Jr.EVP, Sec. & General Counsel · 1 trade
Anand RamamoorthyEVP, Chief Claims Officer · no trades on file
Christopher Wade FlintEVP, President, Kemper Life · no trades on file
Eric E. KapplerEVP, President, P&C · no trades on file
James Allen AlexanderChief Accounting Officer · no trades on file
John Michael BoschelliEVP & Chief Investment Officer · no trades on file

12 more officers and directors file at KMPR.

See insider trades by person

Which ETFs hold KMPR?

In ETFs: KMPR is under 0.1% of VYM and under 0.1% of VTI, the most of the 24 funds Breakaway covers, by each fund's latest filing, Jun 30 to Jul 31, 2026.

About Kemper

Kemper Corp is an insurance holding company that offers complementary insurance products through its subsidiaries, including personal and commercial automobile insurance to consumers in targeted markets and industries. Kemper also offers life and other insurance solutions based on the needs of its clients. The company offers its insurance products through a vast network of agents and brokers, mainly under the Kemper Auto and Kemper Life brands. It has two operating segments: Specialty Property & Casualty Insurance and Life Insurance. The majority of the company's revenue is generated from the Specialty Property & Casualty Insurance segment, whose principal products are specialty personal automobile and commercial automobile insurance. Geographically, it operates only in the United States.

7,400 employeesChicago, ILkemper.com

What Kemper says it competes with

“The property and casualty insurance industry is highly competitive, particularly with respect to personal automobile insurance.”

From its annual report, SEC filing · Feb 11, 2026

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What would turn KMPR's score around: 6 things
3 more filings explained, a plain line each
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BreakawaySep 22Donald Trump bought KMPR$15K to $50K, disclosed Sep 22

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See KMPR's 14 chart checks

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Straight AnswersStraight Answers

As of Nov 10, 2026: KMPR's Quality Score is 1 (Below Average), #35 of 39 in Property Insurance. Insiders bought $368K in the last 6 months (Form 4).

What does KMPR's Quality Score say?

KMPR scores 1 today, which Breakaway calls Below Average. It is #35 of 39 in Fire, Marine & Casualty Insurance by Quality Score, with 4 of 14 chart checks firing. Up 11% on Oct 29, and still 12% over its Oct 28 close. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.

What is KMPR's Quality Score?

KMPR scores 1 today, which Breakaway calls Below Average (0 to 5). That is #35 of 39 in Fire, Marine & Casualty Insurance by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind KMPR's 1.

Are insiders buying KMPR?

5 insiders bought $368K across 5 filings in the last 6 months. No open-⁠market sales on record. The newest is Stephen J. McAnena, President and CEO, who bought $80K on Aug 13. Every filing, with the scored weight, for Pro members.

Are the prices delayed?

Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.